Car Insurance in Joplin, MO

With the right car insurance in Joplin, MO, you can protect your finances from the impact of an accident.
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Your Joplin, MO, Auto Insurance Guide

Joplin is a fast-growing southwest Missouri city of nearly 53,000 residents. spanning about 36 square miles at the foot of the Ozark Mountains. Its central location makes it a popular place for conferences and events, with several major highways that provide easy access to hotels, restaurants and attractions. Car insurance in Joplin, MO, is important since driving is the main way to get around town.

The cost of living in Joplin is nearly 23% lower than the average across the U.S. Transportation costs almost 26% less than the national average and 13% less than the state average, so you'll likely save money on a policy that protects your vehicle. You can reduce your auto insurance premiums even more with personalized quotes through VIU by HUB's online tool.

Important Considerations for Joplin, MO, Drivers

Property crimes pose a significant risk for motorists in Joplin. The city has a rate of about 7.3 incidents for every 100 residents, according to Sperling's Best Places. That's about three times the national average and more than twice the state average for property crimes. You should have an auto insurance policy with enough minimum coverage to pay for repairing or replacing your vehicle because of vandalism or theft.

According to the Missouri State Highway Patrol, Joplin had 1,472 auto accidents in 2022. That represents just over 1% of the state's 127,485 overall crashes, which is relatively low considering the city's size. However, it's important for motorists to know that Missouri ranks as one of the nation's most dangerous places to drive. It's also one of the worst states when it comes to collisions with deer, which affect an average of 1 in 80 drivers at some point.

The Cost of Car Insurance in Joplin, MO

According to WalletHub, car insurance in Joplin, MO, averages $107 a month or $1,278 annually. That's among the five most affordable cities in the state for auto insurance policies. In comparison, Bankrate reports that the cost of car insurance for all Missouri drivers averages $1,943 per year. You can save even more by shopping around to get quotes from multiple providers with VIU by HUB. It's an especially smart strategy for young drivers and people who have a history of tickets or accidents.

Insurance Requirements for Missouri Motorists

Missouri has minimum auto insurance requirements for drivers who live in the state. You must carry liability coverage of at least:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $25,000 per accident for property

Liability policies pay for expenses incurred by others on the road if you cause an accident. When you get an insurance quote, you may see these amounts written as 25/50/25. You can increase your coverage limits to reduce the risk of paying out of pocket after an at-fault collision.

When you're shopping for auto coverage, you should also consider adding coverage that pays for your own expenses after an accident. Common options include:

  • Uninsured motorist coverage
  • Medical payments coverage
  • Collision coverage for property damage in an accident
  • Comprehensive coverage for fire, flood, vandalism or theft damage

If you have an auto loan on your vehicle, your lender will require minimum coverage that may exceed the state minimum. VIU by HUB finds you the best rates for personalized car insurance in Joplin.

Get multiple quotes for car insurance in Joplin, MO, with help from VIU by HUB.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Missouri Department of Revenue

Missouri State Highway Patrol

Sperling's Best Places

Springfield News-Leader

US Census Bureau


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